Insurance Claims

The Insurance Claim Process

1. Contact your agent and describe the damage to your property. Request that your agent have the adjuster make an appointment to inspect the roof with your Perfection Roofing Associate.
2. Set the appointment and contact your Perfection Roofing Associate to give him the time and date and adjuster’s name and telephone number.
3. If the roof is approved, your insurance company will issue a check. This amount will reflect the estimated amount to restore your property less the deductible and depreciation.
4. If you have a mortgage on your home, the first check will be made out to the Homeowner and the Mortgage Company. Contact your mortgage company and ask for the Insurance Department or the Loss Draft Department for details on their process.
5. Contract with a qualified roofing contractor that is familiar with the insurance process. Any credible roofing company will agree to do the installation for what the insurance company agrees to pay for the roof replacement plus your deductible. If they are willing to do the job for less, especially when there is more work than most can handle, then it is probably a sign that they are forced to sell on price alone; this situation is usually an indication of quality or cash-flow problems.
   If anyone suggests that you “make money” on the roof installation, this is Insurance Fraud and you and the other participant could become involved in a lot of trouble. The insurance companies are constantly monitoring the claims to protect themselves and their policyholders.
6. Call your Perfection Roofing Associate when the first check comes in from the mortgage company. Please check the materials to verify the shingle color and drip edge color are correct.
7. Upon completion, your Perfection Roofing Associate will do a final inspection on the job and go over the checklist with you. Please note any items that need attention (if any) and sign the final inspection checklist. At this time the balance of the initial claim check and the deductible are due. If your mortgage company has requested a final inspection, call them now.
8. The final bill will be faxed or mailed directly to the insurance company.
9. Upon receipt of the final insurance check, the invoice is due. Please contact your Perfection Roofing Associate to pick up the final check. You will be supplied with a Labor and Material Warranty Certificate.